Golden 1 Credit Union
Home Loan Operations - Home Loan Sr Processor
Golden 1 Credit Union, Sacramento, California, United States, 95828
Home Loan Operations - Home Loan Sr Processor
Job Title:
Home Loan Senior Processor
Department:
Home Loan Operations
Status:
Non-Exempt
Job Code:
1725
Pay Range:
$30.76 - $35.00 Hourly
General Description Organize and execute processes related to 1st mortgage and equity loans. Effectively manage a pipeline of mixed product types including conventional, FHA, and jumbo products; purchase and refinance transactions; owner-occupied, 2nd home, and investment loan types including manufactured housing and condominiums. Partner with internal and external Home Loan Advisors to ensure accurate, efficient, and timely loan processing.
Responsibilities
Coordinate and communicate information with Members, Home Loan Advisors, and Vendors related to loan processing.
Coordinate the ordering of all title reports, flood certificates, FHA case numbers, CAVIRS, LDP/GSA, and follow up on appraisal orders. Review all documentation received for accuracy and determine if additional research or documentation is required.
Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance, including BSA, RESPA, TILA, TRID, and AML laws applicable to the position.
Review and calculate income, including tax returns, and funds verification (assets) from documentation received in accordance with investor guidelines and Golden 1’s policies/procedures, and update the LOS (Loan Origination System) accordingly.
Read and interpret Desktop Underwriter (DU) findings. Rerun/Update DU with updated calculations, appraised value, and available funds prior to final approval submission to underwriting, ensuring both DU and LOS systems match the documentation in file.
Review and evaluate credit documentation for compliance with investor and Golden 1’s policies.
Prepare and process general correspondence and document exchange, updating LOS with all details for complete tracking purposes.
Manage pipeline to meet G1 service levels, including turn times and customer service scores; minimum efficiency levels established for the position; and minimum required loan quality.
Complete Home Mortgage Disclosure Act (HMDA) information.
Maintain and respond to quality control issues.
Acquire and maintain knowledge of FNMA, FHA, G1CU equity products and related investor guidelines.
Perform functions in accordance with Golden 1’s performance competency standards.
Perform other tasks as assigned.
Physical Skills, Abilities, and Exertion Utilized
Effective oral and written communication skills required to interact with members and vendor company staff on the telephone and to perform other clerical functions.
Must possess sufficient manual dexterity to skillfully operate standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone.
Organizational Contacts & Relationships
Internal: Home Loan staff, Branch staff, and various other staff at Corporate Headquarters.
External: Title companies, appraisers, realtors, buyers, sellers, members, government agencies, and various other vendors.
Qualifications
Education:
Successful completion of High School curriculum is preferred. Additional work experience may be considered in lieu of a High School diploma.
Experience:
Five years or more experience in a financial institution processing Home Loans handling routine to complex processes. Recent experience processing FHA loans is required.
Knowledge/Skills:
Strong analytical and research skills.
Maintain knowledge of real estate industry policies and procedures, guidelines, and various investor guidelines, including Fannie Mae and FHA.
Strong oral and written communication skills.
Strong interpersonal skills.
Strong member relation skills.
Accuracy in calculating income related loan transactions.
Ability to manage high volume telephone contact. Attend training provided through seminars, webinars, and weekly coaching as compliance, policies/procedures, or work processes dictate.
Physical Requirements
Prolonged sitting throughout the workday with occasional mobility required.
Corrected vision within the normal range.
Heavy telephone volume. Hearing within normal range. A device to enhance hearing will be provided if needed.
Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
Ability to adhere to company established standards for mortgage volume and turn time expectation.
Licenses/Certifications None
EEO Statement Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Disclaimer This job description provides an overview of the general scope and level of work expected to be performed, but is not an exhaustive list of all duties or responsibilities associated with the position. The Credit Union reserves the right to modify, add, or remove duties as needed without advance notice. Employees may be required to perform additional tasks and duties as directed by their supervisor, provided such tasks are within the employee’s knowledge, skills, and abilities, or can be performed with reasonable training. Nothing in this job description alters the at-will employment relationship or limits the Credit Union’s right to assign or reassign duties and responsibilities to this position at any time.
REV. 1/8/2026
#J-18808-Ljbffr
Home Loan Senior Processor
Department:
Home Loan Operations
Status:
Non-Exempt
Job Code:
1725
Pay Range:
$30.76 - $35.00 Hourly
General Description Organize and execute processes related to 1st mortgage and equity loans. Effectively manage a pipeline of mixed product types including conventional, FHA, and jumbo products; purchase and refinance transactions; owner-occupied, 2nd home, and investment loan types including manufactured housing and condominiums. Partner with internal and external Home Loan Advisors to ensure accurate, efficient, and timely loan processing.
Responsibilities
Coordinate and communicate information with Members, Home Loan Advisors, and Vendors related to loan processing.
Coordinate the ordering of all title reports, flood certificates, FHA case numbers, CAVIRS, LDP/GSA, and follow up on appraisal orders. Review all documentation received for accuracy and determine if additional research or documentation is required.
Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance, including BSA, RESPA, TILA, TRID, and AML laws applicable to the position.
Review and calculate income, including tax returns, and funds verification (assets) from documentation received in accordance with investor guidelines and Golden 1’s policies/procedures, and update the LOS (Loan Origination System) accordingly.
Read and interpret Desktop Underwriter (DU) findings. Rerun/Update DU with updated calculations, appraised value, and available funds prior to final approval submission to underwriting, ensuring both DU and LOS systems match the documentation in file.
Review and evaluate credit documentation for compliance with investor and Golden 1’s policies.
Prepare and process general correspondence and document exchange, updating LOS with all details for complete tracking purposes.
Manage pipeline to meet G1 service levels, including turn times and customer service scores; minimum efficiency levels established for the position; and minimum required loan quality.
Complete Home Mortgage Disclosure Act (HMDA) information.
Maintain and respond to quality control issues.
Acquire and maintain knowledge of FNMA, FHA, G1CU equity products and related investor guidelines.
Perform functions in accordance with Golden 1’s performance competency standards.
Perform other tasks as assigned.
Physical Skills, Abilities, and Exertion Utilized
Effective oral and written communication skills required to interact with members and vendor company staff on the telephone and to perform other clerical functions.
Must possess sufficient manual dexterity to skillfully operate standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone.
Organizational Contacts & Relationships
Internal: Home Loan staff, Branch staff, and various other staff at Corporate Headquarters.
External: Title companies, appraisers, realtors, buyers, sellers, members, government agencies, and various other vendors.
Qualifications
Education:
Successful completion of High School curriculum is preferred. Additional work experience may be considered in lieu of a High School diploma.
Experience:
Five years or more experience in a financial institution processing Home Loans handling routine to complex processes. Recent experience processing FHA loans is required.
Knowledge/Skills:
Strong analytical and research skills.
Maintain knowledge of real estate industry policies and procedures, guidelines, and various investor guidelines, including Fannie Mae and FHA.
Strong oral and written communication skills.
Strong interpersonal skills.
Strong member relation skills.
Accuracy in calculating income related loan transactions.
Ability to manage high volume telephone contact. Attend training provided through seminars, webinars, and weekly coaching as compliance, policies/procedures, or work processes dictate.
Physical Requirements
Prolonged sitting throughout the workday with occasional mobility required.
Corrected vision within the normal range.
Heavy telephone volume. Hearing within normal range. A device to enhance hearing will be provided if needed.
Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
Ability to adhere to company established standards for mortgage volume and turn time expectation.
Licenses/Certifications None
EEO Statement Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Disclaimer This job description provides an overview of the general scope and level of work expected to be performed, but is not an exhaustive list of all duties or responsibilities associated with the position. The Credit Union reserves the right to modify, add, or remove duties as needed without advance notice. Employees may be required to perform additional tasks and duties as directed by their supervisor, provided such tasks are within the employee’s knowledge, skills, and abilities, or can be performed with reasonable training. Nothing in this job description alters the at-will employment relationship or limits the Credit Union’s right to assign or reassign duties and responsibilities to this position at any time.
REV. 1/8/2026
#J-18808-Ljbffr